EXPLORE
USDA Loans
USDA Offers Capital for Rural America
The Big Picture with Murphy Commercial Capital USDA programs:
- Offer greater leverage, e.g., up to 80% LTV/LTC
- Fixed rates of up to 10 years
- Specialize in new construction projects
- Offer complimentary non-USDA programs that enable total loan
amounts of over $100 million - Project Sample Types
- Geothermal Plant
- Hospitality
- Cold Storage
- Hospital/Health Care Facilities
- Industrial Plant
- Water Treatment Plant
Navigating USDA financing requires expertise—Murphy Commercial Capital brings the insight, access, and strategy to help rural projects secure the funding they need to grow and thrive.
USDA Program Specifics
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A rural area is defined as primarily serving rural areas with populations of 50,000 residents or less based on the last census and not contiguous with an adjacent populated area. The USDA mapping link will confirm eligibility:
For-profit and non-profit entities, public bodies, federally recognized tribes, cooperatives, municipal districts that, for example, provide water infrastructure, fire protection, or other services are eligible.
What Are The Programs?
Business and Industry Guaranteed Loan Program
provides loans to qualified for-profit, non-profit, or municipal
borrowers to invest in rural business and economic
development.
o Fixed or variable rates
o Loan ranges of $1 million to $25 million
o Maximum term of 30 years
Rural Energy for America Guaranteed Loan Program (aka
REAP) provides loans to for-profit small businesses and
agricultural producers for renewable energy systems, to
purchase energy-efficient equipment, or to make energy
efficiency improvements.
o Fixed or variable rates
o Loan ranges of $1 million to $25 million (per individual
project)
o Maximum term of 30 years
The Water and Waste Disposal Loan Guaranteed Program provides loans to non-profit or municipal borrowers
to improve access to clean, reliable water and waste
disposal systems for households and businesses in rural
areas.
o Fixed or variable rates
o Loan ranges of $1million to to $50 million
o Maximum term of 40 years
Community Facilities Guaranteed Loan Program provides loans to qualified borrowers to develop essential community facilities and infrastructure like healthcare, fire, rescue, transportation, community parks, and similar types of facilities.
o Fixed or variable rates
o Loan ranges of $1million to to $100 million
o Maximum term of 40 years
Unlock Your USDA Advantage
From application to approval, we simplify the process so you can focus on growing your business—not the paperwork.